Let’s say you have snubbed your nose at the Corporate Machine and vowed to live a life of noble financially modesty, swearing off debt, and denouncing materialism. But you still need a job, right? You’ll probably need a good credit score to qualify. And yes, you want to live a minimalist life, but you’ve got to have cable. I mean,...
|Reward Rate||Earn up to 2X points per $1 in purchases|
|APR, Variable||11.24% to 21.24% variable APR|
|Cash Advance APR||24.24% variable APR|
|Intro APR Promotions||0% on purchases for the first 9 billing cycles from account opening|
Earn 2X WorldPoints rewards points per $1 on purchases at gas stations, restaurants and office supply stores
Earn 1 WorldPoints rewards point per $1 on all other purchases
No limit to the points you can earn
Start redeeming for rewards at 2,500 points
Redeem points for gift cards, cash, and travel with no blackout dates
Visit WorldPoints for a complete rewards listing
See card issuer's website for details about terms and conditions of offer.
Good Credit Needed
- No annual fee, unlike many business credit cards that charge well over $100 a year.
- No fee for additional cards for your employees
- Rarn one reward point for each dollar spent on every single purchase, with plenty of redemption options
- No bonus categories to earn extra rewards
- No award point signup bonus
- Offers fewer travel perks than some other business credit cards
The Simple Dollar’s Review
Another heavyweight in the world of business credit cards, the WorldPoints® Rewards for Business™ Visa® Card offers a simpler approach than many of its competitors. The rewards program is a bit stripped down, but still very good – and in return, the card has no annual fee and absolutely no extra fee to add cards to your account for employees.
The awards scheme is pretty straightforward with no superfluous frills; you earn one Bank of America WorldPoint for every dollar you spend and double points at gas stations, restaurants and office supply stores. The points carry a value of roughly 1 cent per point and are redeemable for all sorts travel and merchandise. There is no maximum to the number of points you can earn, but they do expire after five years.
Now the only major shortcoming of this rewards scheme is that there are no bonus points earned for air travel, but the upside is you’ll probably save over $200 a year in fees. Plus, nine months of 0% intro APR and bonus rewards on office supplies make this card ideal for businesses that are just starting up. So if you have a new or locally-based small business and you’re not spending thousands of dollars a year flying around the country, this is undoubtedly one of the best choices for a business credit card. It’s nothing too fancy, but it’s straightforward and absolutely hassle free.
Let's cut to the chase: compulsive shopping and credit card addiction are genuine problems, and they're more common than you may think. If you suspect that you suffer from a compulsive shopping and/or credit card addiction, it's important that you understand two things: You are not alone. There is a way out. This article isn't a substitute for professional counseling, but if...